<ul><li>The best CD rates currently top out at 5.06%, varying by term length.</li><li>CDs offer fixed interest rates, with penalties for early withdrawals.</li><li>Short-term CDs have rates up to 4.72%, 6-month up to 4.94%, and 12-month up to 5.02%.</li><li>2-year CDs offer rates up to 4.52%, while 3-year CDs have rates up to 4.65%.</li><li>5-year CDs boast rates up to 4.26%, with average APY around 1.6%.</li><li>Jumbo CDs can offer rates up to 4.94% for a 6-month term.</li><li>Digital banks like Chase, Capital One, and Synchrony Bank often offer competitive rates.</li><li>Early withdrawal penalties can be substantial, typically losing a year's interest.</li><li>CDs offer a safe investment option compared to riskier alternatives like stocks or crypto.</li><li>FDIC and NCUA provide insurance up to $250,000 on CDs to protect investors.</li></ul>

CD Rates Today: March 14, 2025 – Rates Move Lower

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